Oscar Cabra is The North American Development Bank Dir Technical Services. Established in 1994 with headquarters in San Antonio, Texas, the NADB is a bilaterally-funded, international organization, capitalized and governed equally by the United States and Mexico for the purpose of financing environmental infrastructure projects along their joint border. As in company members Oscar Cabra and teams mission is to serve as a binational partner and...more
Many elderly people need assistance when they are no longer able to take care of themselves because of health-related issues. They may need help with personal care at home or more advanced medical care in a skilled nursing facility. Many organizations are available for help and they include home care agencies, adult day care centers, retirement communities and so on. All of these facilities charge for their services and are not...more
In the United States today, the options for paying for health care are numerous. For some, their workplace pays all the bills. (That's a company I want to work for!) For most workers though, health insurance costs are split between employer and employee. And for those who work on their own, or don't have an employer, they foot the health bills themselves. If a person can't afford health care, or chooses not to buy it, they use hospital emergency rooms as their first line of defense. (Note: the exception is the state of Massachusetts, where every citizen must have health insurance or pay a hefty penalty come tax time.)- Term InsuranceHealth insurance is fine for ordinary expenses. But what do you do if you or a member of your family has a debilitating illness that demands long-term care? For how long does ordinary health insurance pay your medical bills? Is it smart to buy a long-term health policy now when you and your family are healthy, just in case?- Term InsuranceHere are three questions to ask before making a decision.1. Does your family medical history suggest that you may be genetically disposed to developing a chronic illness such as diabetes or...more
Long Term Care Insurance is one of the most valued insurance plans in the market in today's society. Certain types of long term care insurance policies also have some very nice tax advantages. With more and more people trying to purchase Long Term Care Insurance to protect themselves in the late part of their lives, the demand for...more
Personal life insurance quotes are a kind of safety valve against uncertainties that leave you and your family vulnerable, for example you could be changing jobs or be involved in a serious accident that could affect your daily life. The insurance business is growing rapidly in a dynamic market and has now begun to offer a vast range...more
A term life insurance covers a person for a substantial period of life, such as ten, twenty or thirty years. A person has to pay premiums, or insurance rates, on the term life policy during this period. Supposing the person dies within the life of the policy, then the value of the policy is provided to the beneficiary.- Term InsuranceTerm life insurance policies have a serious disadvantage. If the person remains alive when the policy tenure comes to an end, there can be no claim. There will be no monetary benefits at the end of the term. This implies the money paid as premiums is wasted.- Term InsuranceA term life insurance policy can be made for a period of one to hundred years. If it is a one-year policy, then the cost of coverage is greater. If the policy is extended, then the cost of coverage rises. In general cases, a term life insurance policy can be taken until a person reaches 75 years of age. For policies going beyond that period, the term insurance rates or premiums are considerably higher, and it makes better sense to select a whole life insurance policy.There are many kinds of term life insurance policies based on the coverage they provide. Of these, the...more
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Searching for life insurance coverage There you are, ready to buy - you have assessed the need and are about to put on the heat. Many different choicese are out there.You can put life insurance into two primary categories: term life and permanent...more